re: cash gift and CDA $$$
>>> Hello, ask the 2nd/ 3rd time mums la.
Cash gift can withdraw... heck, i directed it into my joint expenses account.. hv to pay for diapers, confinement lady, food etc
CDA - govt will match dollar-for-dollar with whatever u deposit, capped at the stated maximum. Eg for 1st child (after 17/8/08) and 2nd child, capped at $6k each. So u deposit $6k, govt match $6k. This $$ in CDA a/c cannot anyhow withdraw to pay for diapers/ confinement lady. Only for APPROVED INSTITUTIONS eg childcare centres (includes infant care, pre-nursery, what have u), some PD/ GP clinics etc. List of AI can be found
here
CDA - only OCBC/ StanChart (but pls choose OCBC). U will be given a NETS card, but cannot withdraw cash from ATM. It's for use at AI. I use it at my PD clinic. Can also apply for GIRO from the AI, eg I apply GIRO with my #1's childcare ctr so every month i dun need to issue chq for his sch fees.
CDA - can use for all your kids. Not solely for #2.
re: fees on cc website
>> usually it's before subsidy, coz diffrnt mummies entitled to diffrnt subsidy amts, eg full time working, part time working etc.